The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$27,081
−HK$1,698/mo
▼ 0.25% · 3.875%
HK$27,924
−HK$855/mo
Today · 4.125%
HK$28,779
baseline
▲ 0.50% · 4.625%
HK$30,531
+HK$1,752/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$57,558/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,627/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$819/mo
Today · 4.125%
HK$31,755
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,674/mo
Deposit HK$5.94M · loan HK$5.94M · min. income ≈ HK$63,510/mo (50% DSR)
Upfront cash ≈ HK$6.38M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,498
−HK$2,037/mo
▼ 0.25% · 3.875%
HK$33,508
−HK$1,027/mo
Today · 4.125%
HK$34,535
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$2,102/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$69,070/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,153
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$37,123
−HK$983/mo
Today · 4.125%
HK$38,106
baseline
▲ 0.50% · 4.625%
HK$40,115
+HK$2,009/mo
Deposit HK$4.75M · loan HK$7.13M · min. income ≈ HK$76,212/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,914
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,198/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,743
+HK$2,452/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,179
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,310
−HK$1,147/mo
Today · 4.125%
HK$44,457
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,344/mo
Deposit HK$3.56M · loan HK$8.31M · min. income ≈ HK$88,914/mo (50% DSR)
Upfront cash ≈ HK$4.01M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,746
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,263
−HK$1,540/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,955
+HK$3,152/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,230
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,684
−HK$1,476/mo
Today · 4.125%
HK$57,160
baseline
▲ 0.50% · 4.625%
HK$60,173
+HK$3,013/mo
Deposit HK$1.19M · loan HK$10.69M · min. income ≈ HK$114,320/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$445,366 · Scale 2, in force from 26 Feb 2026)